what's the responsibility when it comes to recovering from sandy? >> guest: sure, that article and a hand like really captures exactly what is going on. so when a typical insurance event for a hurricane, there's going to be damage caused by wind, wind storm damage, fallen trees. you see in the news media there's going to be fires or natural gas lines. all of this damage will be covered are your typical homeowner's insurance policy that is covered by the private insurance, so you're going to contact if you have a claim camile contact your insurance company. they're going to cover it with your limits and deductibles and it's going to be private policy. any damage caused by flooding is covered only if you have a flood insurance policy to the national flood insurance program. that is the public program, a government program that covers flood losses. that ultimately will be picked up the tab, will ultimately be picked up by the policy in that program. so there's really kind of two ties these losses are going to come from. there's going to be the private